Employee benefits — 50+ employees
Strategic employee benefits for growing and established organizations
Abrams Insurance helps organizations with 50+ employees design, manage, and optimize their benefits plans with a focus on long-term sustainability, cost control, and employee satisfaction.
Who this is for
Built for larger, established organizations
Organizations with 50 or more employees
HR teams managing renewals and rising costs
Companies experiencing large premium increases
Businesses looking to improve the employee experience
Core plan components
What a typical plan includes
| Coverage | Typical design |
|---|---|
| Health & dental | 80–100% |
| Drug coverage | Managed formularies / pay-direct |
| Paramedical | $500–$1,500 |
| Vision | $200–$300 |
| Life & AD&D | 1–2x salary |
| Long-term disability | 66.67% income replacement |
| Employee assistance program | Included |
Sample plan design
How a 75-employee organization might structure coverage
| Class | Design |
|---|---|
| Executives | Enhanced benefits + HCSA $10,000 |
| Management | Standard benefits + HCSA $5,000 |
| Employees | Core benefits |
| Optional | Buy-up options available |
Strategic approach & cost control
How we help you manage and optimize your plan
Strategic approach
Annual renewal negotiation with carriers
Data-driven plan adjustments
Pooling and stop-loss analysis
HCSA and class structure optimization
Employee communication and engagement
Cost control strategies
Adjust co-pays and plan design
Introduce or expand HCSA
Analyze claims and utilization data
Market the plan to multiple carriers
Implement wellness and usage strategies
Looking to improve or review your
benefits strategy?
Book a consultation to evaluate your current plan and identify
opportunities for cost savings and improvement.